Q3 Market Update: Staying Focused When Markets Change
Markets are always changing. Inflation, interest rates, and global events can create uncertainty, especially for those approaching or living in retirement.
In RichLife Advisors’ Q3 Market Update, Beau Henderson and Chief Investment Strategist Jay Coulter explain how a rules-based investment process helps guide portfolio decisions through changing market conditions.
A Disciplined Approach to Investing
Rather than reacting to headlines or trying to predict what happens next, RichLife follows a structured investment process built around globally diversified, low-cost ETFs and objective market indicators.
Every portfolio decision is based on predetermined rules, not emotion.
What We’re Watching
During this quarter’s update, Beau and Jay discuss several important economic indicators, including:
- Inflation and its impact on purchasing power
- Employment and the strength of the economy
- Interest rates and Treasury yields
- Global market opportunities
- Strategic portfolio tilts based on objective data
These indicators help inform portfolio decisions while keeping long-term retirement goals at the center of the conversation.
Why It Matters
No one can control what the markets will do next. What you can control is having a disciplined investment strategy that responds consistently as conditions change.
For retirees, that means understanding not only what’s happening in the markets, but also why your portfolio is positioned the way it is.
Next Steps
If you’re preparing for retirement or already retired, now is a good time to review whether your investment strategy is aligned with your long-term goals.
To schedule a conversation with a RichLife advisor, call or text 770-249-7424.
Timestamps & Topics Covered
2:27โ8:50 | The Rules-Based Investment Philosophy
Beau and Jay explain why investment decisions should follow a structured process rather than headlines or emotions, and how globally diversified ETF portfolios are built.
12:33โ20:20 | Economic Indicators
A review of GDP, inflation, unemployment, and Federal Reserve policy, along with why each indicator matters when evaluating retirement portfolios.
21:46โ24:37 | Interest Rates and Treasury Yields
Jay explains why the 10-year Treasury has become an increasingly important measure as national debt continues to grow.
24:38โ27:30 | Global Diversification
The discussion covers international valuations and why maintaining exposure outside the U.S. remains an important part of long-term investing.
27:30โ31:45 | Portfolio Tilts
Jay reviews the portfolio’s technology allocation, trend-following process using the 200-day moving average, and how these rules influence investment decisions.
31:45โEnd | Looking Ahead
Beau and Jay close by reinforcing the value of following a disciplined process instead of reacting to short-term market noise.
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Disclosure:
This presentation is for informational and educational purposes only and is not intended as investment, tax, legal, or financial advice. The views and opinions expressed are those of the presenter(s) as of the date of the webinar and are subject to change without notice.
RichLife Advisors, LLC provides investment advisory services through Fiduciary Capital, Inc. James Henderson (Beau) is a licensed insurance professional in GA. RichLife Advisors and Fiduciary Capital Inc are not affiliated companies
Nothing in this webinar should be considered a solicitation or recommendation to buy or sell any specific investment or security. Investment decisions should be made based on your unique goals, time horizon, and risk tolerance. Please consult with your financial advisor, accountant, or attorney before taking any action.
RichLife Advisors does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.
Neither Asset Allocation nor Diversification guarantee a profit or protect against a loss in a declining market.ย They are methods used to help manage investment risk.
Exchange Traded Funds (ETFโs) are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.ย An investment in the Fund involves risk, including possible loss of principal.
Investments in commodities may have greater volatility than investments in traditional securities, particularly if the instruments involve leverage. The value of commodity-linked derivative instruments may be affected by changes in overall market movements, commodity index volatility, changes in interest rates or factors affecting a particular industry or commodity, such as drought, floods, weather, livestock disease, embargoes, tariffs and international economic, political and regulatory developments. Use of leveraged commodity-linked derivatives creates an opportunity for increased return but, at the same time, creates the possibility for greater loss.
Indices are unmanaged and investors cannot invest directly in an index. Unless otherwise noted, performance of indices does not account for any fees, commissions or other expenses that would be incurred.ย Returns do not include reinvested dividends.
The Nasdaq Composite Index is a market-capitalization weighted index of the more than 3,000 common equities listed on the Nasdaq stock exchange. The types of securities in the index include American depositary receipts, common stocks, real estate investment trusts (REITs) and tracking stocks. The index includes all Nasdaq listed stocks that are not derivatives, preferred shares, funds, exchange-traded funds (ETFs) or debentures.
The Consumer Price Index (CPI) is a measure of inflation compiled by the US Bureau of Labor Studies.
The S&P 500 Equal Weight Index provides exposure to the largest 500 public U.S. companies in the S&P 500 Index (a market value weighted index). However, each company is weighted at 0.2%, to provide more diversification and less concentration.
Past performance is not indicative of future results. All investing involves risk, including the potential loss of principal. Economic forecasts are based on assumptions and subject to change.
Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.
Tax-loss harvesting is a strategy of selling securities at a loss to offset a capital gains tax liability. It is typically used to limit the recognition of short-term capital gains, which are normally taxed at higher federal income tax rates than long-term capital gains, though it is also used for long-term capital gains.